Pontiac Aztek Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs less to insure a Pontiac Aztek than the average SUV.
• Liability auto insurance for an Aztek averages around $76 per month, while full coverage usually tends to be about $145 a month.
• Hugo offers the most affordable average rates for an Aztek with liability only coverage offered for as low as $22 per month.

Aztek Overview

With 2005 models starting at $21,530, the Pontiac Aztek is a great budget-friendly option for any driver. While it is on the affordable end of the spectrum when it comes to overall price point, it's also a great choice for your budget when thinking about your insurance prices.

We analyzed thousands of car insurance quotes on Compare.com, and we've found that average Pontiac Aztek auto insurance rates run around $92 a month. How do insurance premiums for the Aztek compare to prices of other similar SUVs?

How Much is Car Insurance for a Pontiac Aztek?

If you look at the table above, you'll see that Pontiac Aztek insurance rates are lower than average compared to other vehicles. Aztek owners can expect to pay about $76 monthly for liability insurance, and around $145 a month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Compared to other models, the Aztek is in line with the other vehicles in Pontiac's lineup. However, coverage for the Aztek is cheaper than average when compared to other vehicles of a similar body style, with both liability only and full coverage insurance averaging less expensive premiums than other SUVs.

When compared to all vehicles, regardless of model, make, or body style, the Aztek follows a similar pattern of having below average car insurance rates.

Who has the Cheapest Car Insurance for a Pontiac Aztek?

If you're in the market for an auto insurance policy for a Pontiac Aztek, you may be wondering which company offers the most affordable prices. Although there will never be one carrier that offers the lowest prices for everyone, Hugo provides the cheapest average rates for liability only coverage, with rates sometimes as low as $22 per month. With car insurance as cheap as $23 monthly, MetroMile is the next lowest insurance company.

Rounding out the list are Nationwide, Aspire, and Workmens. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers take a variety of things into consideration when calculating monthly prices. By reviewing quotes from a whole range of car insurance companies at once, you can guarantee you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for a Pontiac Aztek?

As we mentioned above, there are a wide array of factors that auto insurance carriers use to determine how much they charge for a policy -- and each carrier weighs certain variables more than others, so there's not one single company that's the cheapest for every Aztek driver.

The sections below show a lot of variables car insurance companies use to calculate rates:

Vehicle Age

Pontiac has been making the Aztek for quite some time -- and that means the car's age may play a big role in how much you'll pay for auto insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Azteks continue to depreciate, insurance costs will gradually go down.

Since a new model has not been added to the market for at least 5 years, we cannot analyze this trend for the Aztek. However, as you can see in the table above, the cheapest Pontiac Azteks to insure are those that are 8 to 10 years old, while the most expensive models are Azteks that are 15 years old or more, on average.

Your Age

How old you are plays a significant role in how much you pay for insurance. Based on the information above, young Aztek drivers have higher premiums compared to those who have more experience on the road. In this case, drivers between 18 and 24 pay $51 more than those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group being 45-54 for Aztek drivers.

Your Gender

Women generally to pay less for auto insurance than men. This is because women are less likely to get into accidents and get speeding tickets, which decreases the chances of an insurance claim. The Pontiac Aztek follows this convention, and women pay about $74 per month for car insurance and men pay around $80.

Where You Live

You're probably already aware that factors like what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live is just as important? Since car insurance is regulated on the state level rather than nationally, rates can change quite a bit depending on where you live.

For example, the average Pontiac Aztek owner in New York pays about $145 monthly for liability coverage. Meanwhile, the same driver from California will pay less than half of that price, on average. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change from state to state.

Pontiac Aztek Car Insurance Discounts

No matter how old you are, what car you drive, or what state you call home, it's always in your best interest to take advantage of as many insurance discounts as possible.

Not every auto insurance carrier will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Defensive driving discounts for drivers who take a defensive driving class from a certified school or institution
• Multi-policy discounts for using the same insurance company for both your home and car insurance
• Pay-in-full discounts for agreeing to pay your entire policy rate at once, rather than by monthly payments

There are countless ways to save money on your insurance if you know where to look. Often, it's actually having a good record when it comes to both auto insurance and driving that get you the lowest rates.

Even though you don't have control over every factor car insurance carriers look at to calculate prices (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the ones you can use to your advantage when it comes to saving cash:

Your Driving Record

You've no doubt heard ads from insurance companies posting large discounts for responsible drivers. It checks out that if you get a ticket for speeding or get into a collision, auto insurance premiums will go up. But exactly how much is it going to cost you for these infractions?

Looking at the table above, you'll see that accidents will usually cost Aztek drivers more than tickets, but both will cause a significant increase in rates. Pontiac Aztek drivers with a single accident on their record pay about $96 per month (up $20 from the $76/mo. overall average), while drivers with one ticket will pay an average of $79 a month. Drivers who have more than one of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your car insurance rates is the total amount of miles you drive annually. Those who drive less have fewer opportunities to get into an accident, so they'll normally be offered lower prices. Above, you can see that Pontiac Aztek owners who drive 10,000 miles or more pay $84 for auto insurance, while those who drive fewer than 2,500 miles every year pay an average of $65 monthly.

If you work from home or drive less often than the average driver, it may be worth considering pay-per-mile or usage-based insurance. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Pontiac Azteks Compare to Other Vehicles?

If you're thinking about buying a Pontiac Aztek, it can pay off to do your homework. Insurance is just one cost that's associated with a new car purchase, but it's guaranteed to be one that's worth considering carefully.

Take a look at the table below to see how the Pontiac Aztek stacks up:

As you can see, the Pontiac Aztek is pretty much in line with the average vehicle price here in the U.S. The national average vehicle MSRP is $30,630, and the Aztek comes in close to that at $21,530. And since there hasn't been a new Aztek model on the market recently, used prices will be even cheaper.

Although the Aztek has a pretty average price, car insurance premiums run below average when compared to the rest of the vehicle market. Liability insurance for a Pontiac Aztek is around $5 per month less than average, while full coverage is over $50 less a month.

When it comes to usage, Pontiac Aztek drivers are much higher than the national average in annual miles driven, with 11,617 miles a year for all vehicles compared to the Aztek's 14,420 each year.

Pontiac Aztek Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on how much the average driver pays for insurance. If you're in the market for a new car, truck, or SUV and the Aztek is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely valuable as you weigh your choices.

2005 Pontiac Aztek Car Insurance

It costs about $76 per month for liability or $115 for a full coverage policy for the 2005 Pontiac Aztek.

We found Commonwealth Casualty offered the lowest policy, with rates as low as just $20 monthly.

While these are good estimates of what the average driver might pay to insure a 2005 Pontiac Aztek, these prices might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

2004 Pontiac Aztek Car Insurance

The average cost to insure a 2004 Aztek with liability only coverage is $75 a month, while full coverage runs around $148 per month.

Mercury offered the cheapest policy we found, with rates as cheap as just $21 a month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

2003 Pontiac Aztek Car Insurance

On average, drivers who own a 2003 Pontiac Aztek can expect to pay $83 to $190 monthly for liability only and full coverage car insurance, respectively.

With premiums sometimes as cheap as $19 per month, Commonwealth Casualty offered the lowest policy we found for the 2003 Pontiac Aztek.

Want to know exactly how much you'll pay? Enter your ZIP code below to get multiple customized quotes for free.

2002 Pontiac Aztek Car Insurance

2002 Aztek drivers can expect to pay an average of $78 monthly for liability or $118 for full coverage.

If you're looking for the most affordable 2002 Pontiac Aztek insurance policy, MetroMile offered the most affordable policy we found, with rates as little as $29 a month.

While these are good estimates of what the average driver might pay to insure a 2002 Pontiac Aztek, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

2001 Pontiac Aztek Car Insurance

You can expect full coverage for a 2001 Pontiac Aztek to run about $99 per month, while liability only coverage will average around $66 a month.

MetroMile has premiums sometimes as little as $17 monthly for the 2001 Pontiac Aztek.

What will your auto insurance price be? All you need to do is enter your ZIP code below and you'll be on your way to comparing quite a few personalized quotes from the nation's top insurance carriers.

Pontiac Aztek Insurance FAQs

Is a Pontiac Aztek expensive to insure?

The Pontiac Aztek is less expensive to insure compared to the average SUV. Liability insurance runs an average of $76 per month, while full coverage will cost you around $145.

How can I get the best price on car insurance for my Pontiac Aztek?

There's only one way to guarantee you're getting the cheapest rates -- regularly shopping around and comparing quotes from an array of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a range of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Pontiac Aztek affect my insurance premiums?

Have you heard the old adage that red cars cost more to insure before? Well, that's just a myth. There are a variety of things insurance companies think about when they decide your car insurance premium, but your vehicle's color is not used to make that determination.

Do I need to have insurance before I buy a Pontiac Aztek?

Before you can legally drive your new (or new to you) Pontiac Aztek off the dealership lot, you'll need to have an auto insurance policy in place. As part of the buying process, some dealerships may offer you an insurance policy, but it's best to let your auto insurance carrier know before you buy.

What car insurance discounts can I get for my Pontiac Aztek?

You will find a variety of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the Aztek you drive, but if your Aztek has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to get in touch with your insurance company and ask about their list of discounts, since they differ quite a bit from carrier to carrier.